Payment & Security
At Dharma Tool (dharmatool.com), we are committed to ensuring a safe, secure, and transparent shopping experience for every customer. We use trusted global payment partners — Stripe and CyberSource — to process all online transactions with the highest level of security and encryption.
1. Accepted Payment Methods
We offer multiple secure payment options to make your shopping experience easy and reliable:
- Credit and Debit Cards (Visa, MasterCard, American Express, Discover)
- PayPal (via Stripe gateway, where available)
- Apple Pay and Google Pay (supported through Stripe)
- Direct Bank Transfer (for approved wholesale or bulk orders only)
All payments are processed in your selected currency. For international customers, your card provider may apply a small foreign transaction fee depending on your location and currency settings.
2. Secure Payment Processing
All transactions on our website are handled through Stripe and CyberSource — two of the world’s most secure and reliable payment processors. Both are fully PCI DSS (Payment Card Industry Data Security Standard) compliant, meaning your financial information is processed with enterprise-grade protection and never stored on our servers.
Our website uses SSL (Secure Sockets Layer) encryption to safeguard all data transmitted between your browser and our servers. When you see “https://” or the padlock icon in your browser’s address bar, it confirms your session is securely encrypted.
3. CyberSource & Stripe Security Compliance
Stripe uses tokenization to protect your card details — converting sensitive information into secure, one-time tokens that cannot be reused. CyberSource, a Visa company, provides additional layers of fraud detection and 3D Secure verification to ensure every transaction is authenticated and safe.
Neither Dharma Tool nor its employees have access to your credit card number, CVV, or any sensitive payment information at any point during your purchase.
4. Fraud Prevention & Verification
To protect our customers and prevent unauthorized activity, Dharma Tool, along with Stripe and CyberSource, may perform verification checks on certain transactions. Orders flagged as potentially fraudulent may require additional identity confirmation before shipping. This process helps ensure a safe shopping environment for all our customers.
5. Payment Confirmation
Once your payment is successfully completed, you will receive an email confirmation including your order details and invoice. If you do not receive this confirmation within 24 hours, please contact our support team at support@dharmatool.com.
6. Privacy & Data Protection
Your payment data is handled securely and confidentially at all times. Dharma Tool does not store, share, or access your credit card information. All sensitive information is processed directly through our trusted payment gateways. For more information about how we protect your data, please review our Privacy Policy.
7. Refunds & Reversals
Approved refunds are processed through the original payment method used during purchase. Refund timelines may vary depending on your bank or card provider, but most refunds are completed within 5–10 business days. For full details, please see our Returns & Exchanges Policy.
8. Currency & International Transactions
All prices listed on dharmatool.com are displayed in your chosen currency. For international purchases, exchange rates are determined by your card provider at the time of payment. Customs duties, VAT, or import taxes (if applicable) are the buyer’s responsibility.
9. Contact Us
If you have any questions or concerns regarding payments or security, please reach out to us at:
Dharma Tool
Email: support@dharmatool.com
Website: https://dharmatool.com
Made with love in Nepal